I assume you mean less than 20% down payment. Yes, it makes sense since the VA offers a good rate, but you should compare loans if you want to put down 20% vs 0% with a VA loan. I like to sleep at night and having a lower monthly payment allows me to do that. Having that 20% in the bank these days at 1% or less means little unless money is tight. If you can put down 20% and be comfortable doing it then look at conventional and save your VA entitlement for the future when you might need it. All situations are different so shop and compare.... more